Buying car insurance by quoting online saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to take the time to get as many rate quotes as possible so you can get the cheapest rate quotes.

Shopping online for car insurance can be a challenge if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. The recommended way to find competitive is to get quotes online. This can be accomplished by completing this short form.

Car insurance premiums for a 2000 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2000
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Older models cost less than newer models so repair costs tend to be lower which may end up costing you less. But new models may have safety features including tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which can give discounted rates.

Liability coverages - This provides protection from damage that occurs to other people or property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2000 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.